Personal Checking


Our checking accounts offer flexibility and convenience for every lifestyle. 

For Deluxe check reorders click here


A State Bank Economy Checking Account is the right choice for easy, inexpensive checking. Open your account now!

  • No minimum balance
  • No per check charge
  • TeleBank 24
  • eBank! online banking
  • Bill Pay
  • eStatements available
  • CheckCard Plus debit card with ATM access
  • Optional Personal Reserve Account (PRA)* and/or Savings Overdraft Protection


* Subject to credit approval.

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With a State Bank Interest Checking Account, you can earn interest and enjoy unlimited access to your account. Open your account now!

  • No monthly service charge and no per check charge when minimum daily balance requirement is met
  • Interest paid on the entire balance
  • Unlimited check writing
  • TeleBank 24
  • eBank! online banking
  • eStatements available
  • CheckCard Plus debit card with ATM access
  • Optional Personal Reserve Account (PRA)* and/or Savings Overdraft Protection

* Subject to credit approval.

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Open your Ultimate Interest Checking Account today and earn one great rate! Open your account now!

  • Earn the Ultimate Interest rate of 2.53% Annual Percentage Yield (APY) paid on daily balances
    $25,000 or less and an interest rate of 0.01% APY paid on balances over $25,000 or when account requirements are not met*.
  • To qualify for this Ultimate Interest rate you must meet the following requirements each statement cycle:
    1. Make at least 16 completed Debit Card signature purchase transactions. (ATM and PIN based transactions are excluded). 2. Receive a monthly eStatement. 3. Log onto eBANK! at least once within the statement cycle.
  • Optional Personal Reserve Account (PRA)**and/or Savings Overdraft Protection


* If you do not meet the requirements per statement cycle, you will earn a rate of 0.01% 
Annual Percentage Yield (APY). If the monthly eStatement requirement is not met a monthly fee will be charged. Fees may reduce earnings. Rates are accurate as of October 16, 2014. This is a variable rate account, and the rate may change after the account is opened. Available on personal accounts only.

** Subject to credit approval.

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Health Savings Accounts (HSAs) are designed to benefit people with high-deductible health plans (HDHP).* They are a great way to save for health care expenses, with the added benefit of excellent tax savings and reduced health care costs.

The contributions are tax deductible and earnings grow on a tax-deferred basis, and if the funds are 
used for an eligible medical expense, the funds are tax-free. Funds roll over from year to year, and funds used after age 65 are able to be used tax-free for eligible medical expenses or at your normal tax rate for any other reason. This account has many of the same benefits as the Medical Savings Account (MSA) but without the restrictions.

  • Security - Your high deductible insurance and HSA protect you against high or unexpected medical bills.
  • Affordability - You should be able to lower your health insurance premiums by switching to health insurance coverage with a higher deductible.
  • Flexibility - You can use the funds in your account to pay for current medical expenses, including
    expenses that your insurance may not cover, or save the money in your account for future needs, such as:
    • Health insurance or medical expenses if unemployed
    • Medical expenses after retirement (before Medicare)
    • Out-of-pocket expenses when covered by Medicare
    • Long-term care expenses and insurance.
  • Control - You make all the decisions about:
    • How much money to put into the account**
    • Whether to save the account for future expenses or pay current medical expenses
    • Which medical expenses to pay from the account
    • Which financial institution/company will hold the account
    • Whether to invest any of the money in the account
    • Which investments to make
  • Portability - Accounts are completely portable, meaning you can keep your HSA even if you:
    • Change jobs
    • Change your medical coverage
    • Become unemployed
    • Move to another state
    • Change your marital status
  • Ownership - Funds remain in the account from year to year, just like an IRA. There are no "use it or lose it" rules for HSAs.
  • Tax Savings - An HSA provides you triple tax savings:
    • Tax deductions when you contribute to your account;
    • Tax-free earnings through investment; and,
    • Tax-free withdrawals for qualified medical expenses.

Click here for an online demonstration of our Health Savings Account product.

Need more information about Health Savings Accounts? The Department of Treasury's web site has 
additional information and Health Savings Accounts, including answers to frequently asked questions, related IRS forms and publications, and technical guidance. The Treasury's HSA web site can be found directly at the following address:

*For 2016, a high deductible health plan is defined as a plan with a minimum deductible of $1,300 for individuals or $2,600 for families.

**For 2016, you may contribute a maximum of $3,350 as an individual; $6,750 for a family with a $1,000 catch up provision if you are between the ages of 55-65. The total contribution limit if you are 55 or older and not enrolled in Medicare is $4,350 as an individual, $7,750 for a family.


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